Products/Services
The Credit Union offers the following financial services and products to our members:
Share Savings Accounts*
Regular Share Savings. Pays quarterly dividends. Withdrawals may be made from these accounts at any time. Dividend rates are established by the Board of Directors at the monthly meeting prior to the end of the quarter when dividends are payable.
Kirby Kangaroo® Club for Members up to Age 12. Pays quarterly dividends. Withdrawals may be made from these accounts at any time. Dividend rates are established by the Board of Directors at the monthly meeting prior to the end of the quarter when dividends are paid. When these young members make deposits in person they earn Kirby Bucks. Kirby Bucks can be used to purchase Kirby items on display in the office. For complete details and benefits of this account, please contact the credit union.
CU Succeed® is for Members Age 13 to 18. Pays quarterly dividends. Withdrawals may be made from these accounts at any time. Dividend rates are established by the Board of Directors at the monthly meeting prior to the end of the quarter when dividends are paid. For complete details and benefits of this account, please contact the credit union.
Premium Share Accounts*
Premium Share Accounts are available at a variety of terms. Available terms are listed under current rates. The minimum deposit for these types of accounts is $1,000.00, unless otherwise noted. Youth accounts may have a minimum of $500. The rates are established monthly by the Board of Directors at their regular monthly meeting.
Share Draft Checking Accounts
Regular Share Draft Checking Account
-
No Minimum Balance Requirements
-
No Monthly Service Fee
-
No Draft Writing Limits
-
Monthly Statement
-
Direct Deposit, available on many payrolls.
-
Direct Debits of many automatic payments such as insurance premiums
-
Overdraft Protection from Savings
-
Online Check Ordering
-
Debit Card, Optional and if Qualified
-
Online Account Access
Preferred Share Draft Checking Account
-
$1000 Minimum Balance Required to Avoid Monthly Fee of $5 and to earn Dividend
-
Monthly Dividend
-
No Draft Writing Limits
-
Monthly Statement
-
Direct Deposit available on many payrolls
-
Direct Debits of many automatic payments such as insurance premiums
-
Overdraft Protection from Savings, Optional
-
Online Check Ordering
-
Debit Card, Optional
Click here for more information regarding Share Draft Checking Accounts
Club Accounts*
The credit union currently offers the following club savings accounts:
- President's Club - January
- Groundhog Club - February
- Spring Club - March
- Vacation Club - April
- May Club - May
- Summer Club - June
- Back To School Club - July
- Real Estate Tax Club - August
- Hunt Club - September
- Christmas Club - October
- Turkey Club - November
- New Years Club - December
These accounts payout on the last business day of the month and are deposited to the members savings account.
*For rate information click here or the Current Rates button at the left.
The Credit Union offers the following types of loans to it's members:
Auto Loans* (Online Loan Application)
The credit union offers auto loans for new and used vehicles.
Personal Loans* (Online Loan Application)
Any loan for a worthwhile purpose.
Share Secured Loans* (Online Loan Application)
Any loan secured by your shares on deposit equal to the loan balance. This type of loan carries a lower interest rate.
Collateralized Loans* (Online Loan Application)
Any loan secured by appliances, furniture, recreation titles, etc.
VISA Classic & VISA Platinum**
- Low annual percentage rate: With one of the lowest APR's around, our VISA card can save you significant money if you carry a balance from month to month
- Worldwide acceptance: Millions of merchants around the globe accept our card.
- Fast emergency cash: Get cash advances at hundreds to thousands of ATM locations and financial institutions the world over that bear the VISA logo.
- Travel accident insurance: You and eligible family members are automatically covered every time you charge your common carrier tickets (airplane, train, bus, or ship) with your KVCCU VISA card.
*For rate information click here or the Current Rates button at the left.
**Click here for VISA Credit Disclosure.
Money Orders and Cashiers Checks
We offer Money Orders up to $1,000.00 for a fee of $1.00 per Money Order and Cashier's Checks for a fee of $4.00 per Cashier's Check
Online Account Access
Access your Share Draft or Share Account from the comfort of your own home.
Savings Bonds
As of January 1, 2012, paper bonds won't be sold at financial institutions. Electronic savings bonds can be purchased online through Treasury Direct. Learn more and register for an account at www.treasurydirect.gov. Existing paper bonds are still valid and will earn interest for 30 years from the issue date or until redeemed. You can continue to redeem your savings bonds at KVCCU.
Other Services
Notary Service
Copy Service-.05¢ per page
Fax Service-$1.00 for first page, each additional page is .50¢
Optional Credit Disability Insurance on loans
Optional Credit Life Insurance on loans
Optional GAP Insurance on Vehicle Loans
Holiday World/Splashin' Safari Theme Park Discount Tickets
VISA Travel Cards - $4.00 and can be re-loaded an unlimited number of times. These can carry a balance of $100 - $5000
VISA Gift Cards - $2.00. Any amount from $10 to $500.